Pinnacle Wealth Management Advisory 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M Co	COM	88579Y101	3,192	24,666	SH		SOLE		24,666	0	0
Abbott Laboratories	COM	002824100	627	5,770	SH		SOLE		5,770	0	0
Abbvie Inc	COM	00287Y109	1,899	12,400	SH		SOLE		12,400	0	0
Accenture PLC Cl A	COM	G1151C101	1,733	6,243	SH		SOLE		6,243	0	0
Adobe Inc	COM	00724F101	1,349	3,684	SH		SOLE		3,684	0	0
Advanced Micro Devices	COM	007903107	946	12,372	SH		SOLE		12,372	0	0
Alphabet Inc - Class A	COM	02079K305	7,551	3,465	SH		SOLE		3,465	0	0
Alphabet Inc - Class C	COM	02079K107	2,894	1,323	SH		SOLE		1,323	0	0
Altegris Multi Strategy Fund	COM	001011961	266	122	SH		SOLE		122	0	0
Altria Group Inc	COM	02209S103	260	6,232	SH		SOLE		6,232	0	0
Amazon.Com Inc	COM	023135106	5,807	54,671	SH		SOLE		54,671	0	0
American Express	COM	025816109	3,711	26,770	SH		SOLE		25,820	0	950
American Tower Corp	COM	03027X100	218	853	SH		SOLE		853	0	0
Amerisourcebergen Corp Com	COM	03073E105	231	1,632	SH		SOLE		1,632	0	0
AMG Pantheon Private Equity	COM	1114852D9	160	160,000	SH		SOLE		160,000	0	0
AMG Pantheon Private Equity	COM	1114852D9	2,625	2,625,000	SH		SOLE		2,625,000	0	0
Amgen Inc	COM	031162100	2,282	9,379	SH		SOLE		9,379	0	0
Amyris Inc	COM	03236M200	25	13,530	SH		SOLE		13,530	0	0
Apple Inc	COM	037833100	28,873	211,182	SH		SOLE		211,168	0	14
Applied Materials	COM	038222105	485	5,336	SH		SOLE		5,336	0	0
Aptiv PLC	COM	g6095l109	497	5,582	SH		SOLE		5,582	0	0
AT&T Inc	COM	00206R102	949	45,263	SH		SOLE		45,263	0	0
Automatic Data Processing	COM	053015103	967	4,604	SH		SOLE		4,404	0	200
Auxly Cannabis Group	COM	04957F101	3	47,500	SH		SOLE		47,500	0	0
Bank Of America Corp	COM	060505104	2,168	69,635	SH		SOLE		69,635	0	0
Bank Of America Corp 6 PFD	PFD	060505229	202	8,000	SH		SOLE		8,000	0	0
Berkshire Hathaway Inc-CL B	COM	084670702	10,574	38,728	SH		SOLE		38,133	0	595
Blackrock Inc	COM	09247X101	3,940	6,470	SH		SOLE		6,470	0	0
Blackrock Short Maturity Bon	ETF	46431W507	4,902	99,509	SH		SOLE		97,514	0	1,995
Blackstone Inc	COM	09260D107	682	7,477	SH		SOLE		7,477	0	0
Boeing Co	COM	097023105	1,048	7,667	SH		SOLE		7,667	0	0
Bridgebio Pharma Inc.	COM	10806x102	473	52,087	SH		SOLE		52,087	0	0
Bristol-Myers Squibb Co	COM	110122108	2,111	27,417	SH		SOLE		27,417	0	0
Broadcom Ltd	COM	11135F101	1,056	2,174	SH		SOLE		2,174	0	0
Cable One Inc	COM	12685J105	388	301	SH		SOLE		301	0	0
Caribou Biosciences Inc	COM	142038108	70	12,903	SH		SOLE		12,903	0	0
Caterpillar Incorporated	COM	149123101	662	3,701	SH		SOLE		3,701	0	0
CBD of Denver Inc	COM	12482B107	1	295,100	SH		SOLE		295,100	0	0
Chevron Corporation	COM	166764100	2,546	17,588	SH		SOLE		17,588	0	0
CIM Opportunity Zone Fund LP	COM	13599Y105	150	150,000	SH		SOLE		150,000	0	0
Cisco Systems	COM	17275R102	2,939	68,915	SH		SOLE		68,915	0	0
Citigroup Inc	COM	172967424	1,229	26,721	SH		SOLE		26,701	0	20
Clarion Ventures Opp Zone Fd	COM	1BZ993102	150	150,000	SH		SOLE		150,000	0	0
Clorox Co	COM	189054109	796	5,643	SH		SOLE		5,643	0	0
Coca-Cola Co	COM	191216100	3,717	59,091	SH		SOLE		58,291	0	800
Colgate-Palmolive	COM	194162103	926	11,555	SH		SOLE		11,555	0	0
Comcast Corp Cl A	COM	20030N101	766	19,520	SH		SOLE		19,520	0	0
ConocoPhillips	COM	20825C104	388	4,324	SH		SOLE		4,224	0	100
Consolidated Edison	COM	209115104	295	3,099	SH		SOLE		3,099	0	0
Constellation Brands Inc - A	COM	21036P108	453	1,943	SH		SOLE		1,943	0	0
Costco Wholesale Corp	COM	22160K105	2,330	4,861	SH		SOLE		4,861	0	0
CSX Corp	COM	126408103	1,400	48,190	SH		SOLE		48,190	0	0
Cummins Inc	COM	231021106	1,053	5,442	SH		SOLE		5,442	0	0
CVS Health Corp	COM	126650100	256	2,763	SH		SOLE		2,763	0	0
Danaher Corp	COM	235851102	360	1,420	SH		SOLE		1,420	0	0
Deere & Co	COM	244199105	489	1,632	SH		SOLE		1,632	0	0
Diageo Plc-Sponsored Adr	ADR	25243Q205	2,082	11,959	SH		SOLE		11,459	0	500
Docusign Inc	COM	256163106	323	5,628	SH		SOLE		5,628	0	0
Dominion Energy Inc	COM	25746U109	757	9,489	SH		SOLE		9,489	0	0
Drone Guarder Inc	COM	26211L103	0	12,070	SH		SOLE		12,070	0	0
Duke Energy Corp	COM	26441C204	408	3,806	SH		SOLE		3,806	0	0
Eaton Corp PLC	COM	G29183103	313	2,481	SH		SOLE		2,481	0	0
Elanco Animal Health Inc	COM	28414H103	375	19,085	SH		SOLE		19,085	0	0
Elevance Health Inc	COM	036752103	618	1,280	SH		SOLE		1,280	0	0
Eli Lilly & Co	COM	532457108	799	2,463	SH		SOLE		2,463	0	0
Emerson Elec Co	COM	291011104	760	9,559	SH		SOLE		9,559	0	0
Energy Select Sector SPDR Fu	ETF	81369Y506	621	8,680	SH		SOLE		8,680	0	0
Enterprise Prods Partners Ma	COM	293792107	260	10,651	SH		SOLE		10,651	0	0
Exxon Mobil Corp	COM	30231G102	1,761	20,561	SH		SOLE		20,311	0	250
Fedex Corp	COM	31428X106	774	3,412	SH		SOLE		3,412	0	0
First Trust DJ Internet	ETF	33733e302	2,137	16,823	SH		SOLE		16,823	0	0
First Trust Ise Cloud Comput	ETF	33734X192	268	4,070	SH		SOLE		4,070	0	0
First Trust NASDAQ Cybersecu	ETF	33734x846	4,134	102,737	SH		SOLE		102,737	0	0
First Trust NASDAQ Rising Di	ETF	33738r506	755	18,454	SH		SOLE		17,514	0	940
First Trust Senior Loan ETF	ETF	33738d309	654	14,835	SH		SOLE		14,835	0	0
First Trust TCW Opportunisti	ETF	33740f805	277	5,980	SH		SOLE		5,980	0	0
Flexshares Global Upstream N	ETF	33939L407	3,355	84,579	SH		SOLE		84,579	0	0
FlexShares iBoxx 3 Yr Target	ETF	33939l506	11,257	453,727	SH		SOLE		453,212	0	515
Ford Motor Co (New)	COM	345370860	150	13,438	SH		SOLE		13,438	0	0
FPL Group Inc	COM	302571104	106	18,323	SH		SOLE		18,323	0	0
Fuse Cobalt Inc	COM	36116V106	1	25,000	SH		SOLE		25,000	0	0
General Dynamics Corp	COM	369550108	283	1,277	SH		SOLE		1,277	0	0
General Mills	COM	370334104	2,328	30,856	SH		SOLE		30,856	0	0
General Motors	COM	37045V100	402	12,663	SH		SOLE		12,663	0	0
Gilead Sciences Inc	COM	375558103	1,106	17,886	SH		SOLE		17,886	0	0
Global Lithium & Battery Tec	ETF	37954y855	209	2,880	SH		SOLE		2,880	0	0
Global Security & Intellige	COM	379369101	0	10,000	SH		SOLE		10,000	0	0
Global X Robotics & Artifici	ETF	37954y715	434	21,380	SH		SOLE		21,380	0	0
Goldman Sachs Group Inc	COM	38141G104	1,275	4,293	SH		SOLE		4,293	0	0
Graham Holdings Co-Class B	COM	384637104	324	572	SH		SOLE		572	0	0
Health Care Select Sector SP	ETF	81369Y209	243	1,893	SH		SOLE		1,893	0	0
Helen of Troy Ltd	COM	G4388n106	260	1,600	SH		SOLE		1,600	0	0
Home Depot Inc	COM	437076102	3,914	14,271	SH		SOLE		14,271	0	0
Honeywell International	COM	438516106	618	3,555	SH		SOLE		3,555	0	0
Humana Inc Com	COM	444859102	291	621	SH		SOLE		621	0	0
iCapital Multi-Strategy Fd L	COM	0DU991025	140	140,000	SH		SOLE		140,000	0	0
Icon Plc	COM	G4705A100	217	1,000	SH		SOLE		1,000	0	0
Illinois Tool Works Inc	COM	452308109	434	2,380	SH		SOLE		2,380	0	0
Intel Corp	COM	458140100	2,273	60,748	SH		SOLE		60,748	0	0
International Business Machi	COM	459200101	1,582	11,207	SH		SOLE		11,207	0	0
Intl Meta Sys	COM	45986B108	0	37,000	SH		SOLE		37,000	0	0
Invesco QQQ Trust Series I	ETF	46090E103	11,074	39,512	SH		SOLE		39,467	0	45
Invesco S&P 500 Equal Weight	ETF	46137V357	7,979	59,446	SH		SOLE		59,251	0	195
Invesco Variable Rate Prefer	ETF	46138g870	685	30,878	SH		SOLE		30,878	0	0
IQ Merger Arbitrage	ETF	45409B800	1,803	58,240	SH		SOLE		58,240	0	0
iShares 1-5 Year Inv Gr Corp	ETF	464288646	800	15,823	SH		SOLE		15,823	0	0
iShares Barclays 3-7 Yr Trea	ETF	464288661	3,688	30,906	SH		SOLE		30,906	0	0
iShares Barclays TIPS Bond F	ETF	464287176	530	4,650	SH		SOLE		4,650	0	0
iShares COMEX Gold Trust	ETF	464285204	286	8,330	SH		SOLE		8,330	0	0
iShares Commodities Sel Stra	ETF	46431w853	244	5,967	SH		SOLE		5,967	0	0
iShares Core Dividend Growth	ETF	46434V621	259	5,433	SH		SOLE		5,433	0	0
iShares Core MSCI Emerging M	ETF	46434G103	3,009	61,327	SH		SOLE		61,068	0	259
iShares Core MSCI Total Intl	ETF	46432f834	701	12,290	SH		SOLE		12,290	0	0
iShares Core S&P 500 Index F	ETF	464287200	10,269	27,085	SH		SOLE		27,060	0	25
iShares Core S&P S/C ETF	ETF	464287804	12,397	134,149	SH		SOLE		134,149	0	0
iShares Edge MSCI Multifacto	ETF	46434v274	208	8,860	SH		SOLE		8,860	0	0
iShares Edge MSCI USA Moment	ETF	46432f396	549	4,025	SH		SOLE		3,995	0	30
iShares ESG MSCI USA Small-C	ETF	46435U663	278	8,835	SH		SOLE		8,835	0	0
iShares Floating Rate Bond E	ETF	46429B655	830	16,629	SH		SOLE		16,629	0	0
iShares GSCI Commodity Index	ETF	46428r107	1,568	67,875	SH		SOLE		67,875	0	0
IShares High Dividend Eq Fd	ETF	46429b663	272	2,705	SH		SOLE		2,705	0	0
iShares Lehman 7-10 Year Bon	ETF	464287440	422	4,121	SH		SOLE		4,100	0	21
iShares MSCI ACWI ex US ETF	ETF	464288240	627	13,935	SH		SOLE		13,935	0	0
iShares MSCI EAFE Index Fund	ETF	464287465	594	9,500	SH		SOLE		9,466	0	34
iShares MSCI EAFE Small Cap	ETF	464288273	3,886	71,182	SH		SOLE		71,182	0	0
iShares MSCI USA ESG Select	ETF	464288802	304	3,765	SH		SOLE		3,765	0	0
iShares MSCI USA Quality	ETF	46432F339	22,009	196,986	SH		SOLE		196,506	0	480
iShares Nasdaq Biotechnology	ETF	464287556	207	1,763	SH		SOLE		1,763	0	0
iShares Preferred & Inc Secu	ETF	464288687	616	18,730	SH		SOLE		18,730	0	0
iShares Russell 1000 Growth	ETF	464287614	340	1,554	SH		SOLE		1,554	0	0
iShares Russell 1000 Value I	ETF	464287598	630	4,343	SH		SOLE		4,343	0	0
iShares Russell 2000 Growth	ETF	464287648	795	3,853	SH		SOLE		3,853	0	0
iShares Russell 2000 Value I	ETF	464287630	680	4,996	SH		SOLE		4,996	0	0
iShares S&P Glbl Energy Sect	ETF	464287341	366	10,811	SH		SOLE		10,811	0	0
iShares S&P National AMT Fre	ETF	464288414	622	5,851	SH		SOLE		5,851	0	0
iShares S&P Smallcap 600 Gro	ETF	464287887	527	5,007	SH		SOLE		5,007	0	0
iShares S&P Smallcap 600 Val	ETF	464287879	1,918	21,546	SH		SOLE		21,546	0	0
iShares Tr Russell 2000	ETF	464287655	5,302	31,306	SH		SOLE		31,306	0	0
Ishares Tr Russell Midcap	ETF	464287499	605	9,354	SH		SOLE		9,354	0	0
iShares Tr S&P 100 Index Fd	ETF	464287101	489	2,836	SH		SOLE		2,836	0	0
iShares Tr S&P Midcap 400	ETF	464287507	6,901	30,503	SH		SOLE		30,503	0	0
iShares Ultra Short-Term Bon	ETF	46434v878	252	5,033	SH		SOLE		5,033	0	0
Johnson & Johnson	COM	478160104	16,365	92,190	SH		SOLE		91,540	0	650
JP Morgan Ultra-Short Income	ETF	46641Q837	2,660	53,097	SH		SOLE		53,097	0	0
JPMorgan Chase & Co	COM	46625H100	4,266	37,885	SH		SOLE		37,385	0	500
JPMorgan Diversified Return	ETF	46641Q845	760	20,319	SH		SOLE		20,319	0	0
JPMorgan Equity Premium ETF	ETF	46641Q332	421	7,590	SH		SOLE		7,590	0	0
Kimberly-Clark	COM	494368103	279	2,067	SH		SOLE		2,067	0	0
KLA Corp	COM	482480100	868	2,720	SH		SOLE		2,720	0	0
Lam Research	COM	512807108	341	801	SH		SOLE		801	0	0
Lear Corporation	COM	521865204	240	1,910	SH		SOLE		1,910	0	0
Linde PLC	COM	g5494j103	389	1,352	SH		SOLE		1,352	0	0
Lockheed Martin Corporation	COM	539830109	2,809	6,533	SH		SOLE		6,533	0	0
Lowe's Companies Inc	COM	548661107	969	5,545	SH		SOLE		5,545	0	0
Lumentum Holdings Inc	COM	55024u109	713	8,975	SH		SOLE		8,975	0	0
LyondellBasell Indus NV	COM	N53745100	1,592	18,197	SH		SOLE		18,197	0	0
Madison Square Garden Entert	COM	55826T102	218	4,143	SH		SOLE		608	0	3,535
Madison Square Garden Sports	COM	55825T103	693	4,588	SH		SOLE		838	0	3,750
Marathon Petroleum Corp	COM	56585A102	343	4,169	SH		SOLE		4,169	0	0
Market Vectors Semiconductor	ETF	92189f676	377	1,850	SH		SOLE		1,850	0	0
Marsh & Mclennan	COM	571748102	532	3,428	SH		SOLE		3,428	0	0
Mastercard Inc Class A	COM	57636q104	4,787	15,172	SH		SOLE		15,172	0	0
Mazda Motor - Unsp ADR	ADR	578787103	40	10,000	SH		SOLE		10,000	0	0
McDonald's Corp	COM	580135101	4,254	17,230	SH		SOLE		17,230	0	0
McKesson Corp	COM	58155Q103	363	1,114	SH		SOLE		1,114	0	0
Medtronic PLC	COM	G5960L103	557	6,203	SH		SOLE		6,203	0	0
Merck & Co	COM	58933Y105	5,765	63,234	SH		SOLE		63,234	0	0
Meta Platforms Inc - A	COM	30303M102	1,282	7,950	SH		SOLE		7,950	0	0
Micron Technology Inc	COM	595112103	319	5,771	SH		SOLE		5,771	0	0
Microsoft Corp	COM	594918104	21,645	84,279	SH		SOLE		83,579	0	700
Mondelez International Inc	COM	609207105	557	8,965	SH		SOLE		8,965	0	0
Morgan Stanley	COM	617446448	4,379	57,570	SH		SOLE		57,370	0	200
Nestle Sa-Spons Adr	ADR	641069406	4,543	39,031	SH		SOLE		38,431	0	600
Netflix Inc	COM	64110L106	618	3,535	SH		SOLE		3,535	0	0
New Jersey Resource Corp	COM	646025106	1,020	22,915	SH		SOLE		22,915	0	0
Nextera Energy Inc	COM	65339F101	1,333	17,204	SH		SOLE		17,204	0	0
Nike Inc - B	COM	654106103	552	5,403	SH		SOLE		5,403	0	0
Norfolk Southern	COM	655844108	626	2,753	SH		SOLE		2,753	0	0
NorthStar HealthCare Income	COM	66799d107	98	25,000	SH		SOLE		25,000	0	0
Novartis AG - ADR	ADR	66987V109	418	4,947	SH		SOLE		4,447	0	500
NVIDIA Corp	COM	67066G104	2,056	13,565	SH		SOLE		13,565	0	0
OGE Energy Corp	COM	670837103	274	7,110	SH		SOLE		7,110	0	0
Oracle Corp	COM	68389X105	575	8,235	SH		SOLE		8,235	0	0
Paramount Global	COM	92556H206	382	15,484	SH		SOLE		15,484	0	0
Paychex	COM	704326107	1,519	13,340	SH		SOLE		12,840	0	500
Paypal Inc	COM	70450y103	350	5,009	SH		SOLE		5,009	0	0
Pepsico Inc	COM	713448108	4,623	27,737	SH		SOLE		27,737	0	0
Pfizer Inc	COM	717081103	6,175	117,767	SH		SOLE		117,667	0	100
Philip Morris Intl	COM	718172109	357	3,620	SH		SOLE		3,620	0	0
Phillips 66	COM	718546104	265	3,231	SH		SOLE		3,181	0	50
Pimco Enhanced Short Maturit	ETF	72201r833	885	8,927	SH		SOLE		8,927	0	0
PIMCO Total Return ETF	ETF	72201R775	582	6,109	SH		SOLE		6,109	0	0
PNC Fincl Services Group	COM	693475105	2,354	14,918	SH		SOLE		14,918	0	0
PPL Corp	COM	69351T106	377	13,893	SH		SOLE		13,893	0	0
Procter & Gamble	COM	742718109	7,543	52,459	SH		SOLE		52,040	0	419
Public Service Enterprise Gr	COM	744573106	409	6,460	SH		SOLE		6,460	0	0
Qorvo Inc	COM	74736k101	355	3,760	SH		SOLE		3,760	0	0
Qualcomm Inc	COM	747525103	462	3,613	SH		SOLE		3,613	0	0
Raymond James Financial Inc	COM	754730109	207	2,316	SH		SOLE		2,316	0	0
Raytheon Tech Corp	COM	75513e101	3,350	34,860	SH		SOLE		34,860	0	0
Regeneron Pharmaceuticals	COM	75886F107	254	429	SH		SOLE		429	0	0
Robo Global Robotics & Autom	ETF	301505707	786	17,475	SH		SOLE		17,475	0	0
Rockwell Automation Inc	COM	773903109	208	1,044	SH		SOLE		1,044	0	0
S & P Global Inc	COM	78409v104	220	654	SH		SOLE		654	0	0
Salesforce.com Inc	COM	79466l302	290	1,755	SH		SOLE		1,755	0	0
Schwab US Broad Martket ETF	ETF	808524102	311	7,036	SH		SOLE		7,036	0	0
Schwab US DVD equity ETF	ETF	808524797	17,197	240,087	SH		SOLE		239,532	0	555
Schwab US Mid Cap ETF	ETF	808524508	1,550	24,703	SH		SOLE		24,703	0	0
Schwab Us Reit Etf	ETF	808524847	346	16,409	SH		SOLE		16,409	0	0
Schwab US Small-Cap ETF	ETF	808524607	1,024	26,255	SH		SOLE		26,255	0	0
SeaGen Inc	COM	81181C104	433	2,445	SH		SOLE		2,445	0	0
Sector SPD AMEX Consumer	ETF	81369Y308	285	3,954	SH		SOLE		3,954	0	0
Sector SPDR AMEX Industria	ETF	81369Y704	357	4,084	SH		SOLE		4,084	0	0
Sector SPDR AMEX Tech Sele	ETF	81369Y803	1,813	14,260	SH		SOLE		14,260	0	0
Southern Co	COM	842587107	236	3,316	SH		SOLE		3,316	0	0
SPDR Blackstone/GSO Senior L	ETF	78467V608	222	5,325	SH		SOLE		5,325	0	0
SPDR Bloomberg Conv Secs ETF	ETF	78464a359	265	4,100	SH		SOLE		4,100	0	0
SPDR Doubleline Total Return	ETF	78467V848	2,903	68,832	SH		SOLE		67,412	0	1,420
SPDR Dow Jones Indl Avrg ETF	ETF	78467X109	7,068	22,960	SH		SOLE		22,960	0	0
SPDR Gold Trust	ETF	78463V107	534	3,168	SH		SOLE		3,168	0	0
Spdr Metals & Mining Etf	ETF	78464A755	2,151	49,553	SH		SOLE		49,553	0	0
SPDR Nuveen Bloomberg ST Mun	ETF	78468R739	259	5,475	SH		SOLE		5,475	0	0
SPDR S & P Mid-Cap 400 ETF T	ETF	78467Y107	4,884	11,812	SH		SOLE		11,812	0	0
SPDR S&P 500 ETF Tr	ETF	78462F103	23,006	60,985	SH		SOLE		60,325	0	660
SPDR S&P 600 S/C Value ETF	ETF	78464A300	407	5,625	SH		SOLE		5,625	0	0
Starbucks Corp	COM	855244109	3,970	51,969	SH		SOLE		51,969	0	0
Sysco Corp	COM	871829107	614	7,246	SH		SOLE		7,246	0	0
T Rowe Price Group Inc	COM	74144T108	683	6,010	SH		SOLE		6,010	0	0
Take-Two Interactive Softwar	COM	874054109	527	4,300	SH		SOLE		4,300	0	0
Target Corp	COM	87612E106	494	3,500	SH		SOLE		3,500	0	0
Tesla Inc	COM	88160r101	3,347	4,970	SH		SOLE		4,960	0	10
Texas Instruments Inc	COM	882508104	387	2,518	SH		SOLE		2,518	0	0
The Charles Schwab	COM	808513105	1,087	17,204	SH		SOLE		17,204	0	0
The Hershey Company	COM	427866108	358	1,665	SH		SOLE		1,665	0	0
Thermo Fisher Scientific Inc	COM	883556102	288	530	SH		SOLE		530	0	0
TJX Companies Inc	COM	872540109	259	4,635	SH		SOLE		4,635	0	0
Travelers Companies Inc	COM	89417E109	507	2,997	SH		SOLE		2,997	0	0
Trimble Inc	COM	896239100	215	3,694	SH		SOLE		3,694	0	0
Truist Financial Corp	COM	89832q109	317	6,677	SH		SOLE		6,677	0	0
Union Pac Corp	COM	907818108	453	2,122	SH		SOLE		2,122	0	0
United Parcel Service -Cl B	COM	911312106	3,868	21,190	SH		SOLE		21,190	0	0
Unitedhealth Group Inc	COM	91324P102	3,978	7,745	SH		SOLE		7,745	0	0
US Bancorp New	COM	902973304	251	5,452	SH		SOLE		5,452	0	0
Valero Energy Corp New	COM	91913Y100	1,736	16,331	SH		SOLE		16,331	0	0
Valley National Bancorp	COM	919794107	128	12,265	SH		SOLE		12,265	0	0
Vanguard Bd Index Fd Tot Mkt	ETF	921937835	4,263	56,647	SH		SOLE		55,602	0	1,045
Vanguard Consumer Discretion	ETF	92204a108	773	3,400	SH		SOLE		3,400	0	0
Vanguard Cunsumer Staples	ETF	92204A207	351	1,894	SH		SOLE		1,894	0	0
Vanguard Dividend Appreciati	ETF	921908844	778	5,425	SH		SOLE		5,425	0	0
Vanguard Energy ETF	ETF	92204A306	224	2,254	SH		SOLE		2,254	0	0
Vanguard ESG International S	ETF	921910725	237	4,840	SH		SOLE		4,840	0	0
Vanguard ESG US ETF	ETF	921910733	313	4,710	SH		SOLE		4,710	0	0
Vanguard Extended Market ETF	ETF	922908652	1,149	8,768	SH		SOLE		8,750	0	18
Vanguard Financials ETF	ETF	92204A405	499	6,459	SH		SOLE		6,459	0	0
Vanguard FTSE ALL WO X-US SC	ETF	922042718	905	8,770	SH		SOLE		8,770	0	0
Vanguard FTSE All World Ex U	ETF	922042775	10,138	202,915	SH		SOLE		202,395	0	520
Vanguard FTSE Developed Mark	ETF	921943858	9,919	243,113	SH		SOLE		243,113	0	0
Vanguard FTSE Emerging Marke	ETF	922042858	3,318	79,658	SH		SOLE		79,658	0	0
Vanguard FTSE Europe ETF	ETF	922042874	337	6,383	SH		SOLE		6,383	0	0
Vanguard Health Care ETF	ETF	92204A504	254	1,078	SH		SOLE		1,078	0	0
Vanguard High Div Yield ETF	ETF	921946406	23,192	228,047	SH		SOLE		227,677	0	370
Vanguard Information Technol	ETF	92204A702	336	1,030	SH		SOLE		1,030	0	0
Vanguard Interm-Term Govt Bd	ETF	92206C706	1,022	16,710	SH		SOLE		16,710	0	0
Vanguard Intl Hi Div Yield I	ETF	921946794	1,027	17,465	SH		SOLE		17,465	0	0
Vanguard Large Cap ETF	ETF	922908637	3,748	21,745	SH		SOLE		21,745	0	0
Vanguard Mid-Cap ETF	ETF	922908629	1,826	9,269	SH		SOLE		9,269	0	0
Vanguard REIT ETF	ETF	922908553	913	10,025	SH		SOLE		10,025	0	0
Vanguard S&P 500 ETF	ETF	922908363	2,978	8,586	SH		SOLE		8,560	0	26
Vanguard S&P 500 Growth ETF	ETF	921932505	653	3,000	SH		SOLE		3,000	0	0
Vanguard Short Term Corp Bon	ETF	92206C409	7,667	100,534	SH		SOLE		99,494	0	1,040
Vanguard Short-Term TIPS Ind	ETF	922020805	244	4,873	SH		SOLE		4,873	0	0
Vanguard Small-Cap ETF	ETF	922908751	19,461	110,504	SH		SOLE		110,368	0	136
Vanguard Tax Exempt Bond ETF	ETF	922907746	984	19,715	SH		SOLE		19,715	0	0
Vanguard Total Intl Stock In	ETF	921909768	3,173	61,485	SH		SOLE		61,485	0	0
Vanguard Total World Stock E	ETF	922042742	347	4,067	SH		SOLE		4,067	0	0
Vanguard US Total Stock Mark	ETF	922908769	13,917	73,785	SH		SOLE		73,675	0	110
Verizon Communications	COM	92343V104	4,154	81,852	SH		SOLE		81,852	0	0
Visa Inc Class A Shares	COM	92826C839	1,581	8,030	SH		SOLE		8,030	0	0
Wal Mart Stores Inc	COM	931142103	5,375	44,213	SH		SOLE		43,913	0	300
Walt Disney Co	COM	254687106	4,712	49,917	SH		SOLE		49,017	0	900
Waste Management Inc	COM	94106L109	593	3,874	SH		SOLE		3,224	0	650
Waters Corp	COM	941848103	544	1,643	SH		SOLE		1,643	0	0
Wells Fargo Company	COM	949746101	292	7,460	SH		SOLE		7,460	0	0
Welltower Inc	COM	95040q104	2,482	30,137	SH		SOLE		30,137	0	0
WisdomTree Bloomberg Fl Rate	ETF	97717y527	277	5,501	SH		SOLE		5,501	0	0
Wisdomtree MidCap Dividend F	ETF	97717W505	1,565	40,145	SH		SOLE		40,145	0	0
Wisdomtree SmallCap Dividend	ETF	97717W604	807	28,613	SH		SOLE		28,613	0	0
Zoetis Inc	COM	98978V103	325	1,889	SH		SOLE		1,889	0	0